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Get ready to enter the property market.

The first thing you’ll need to do is decide what you want to buy, so consider the location, whether you’d prefer a house or unit, a new home or existing home, and whether you’ll live in it or rent it out.

Next, get an idea of how much you can afford. Will you be buying by yourself, or with someone else? How much have you saved for a deposit? What are your income and expenses looking like?

It’s also important to research all the costs which may be involved with buying your first home, like stamp duty, Lenders Mortgage Insurance, Property valuation and conveyancing.

When you’ve done your research, it’s time to get pre-qualified. With, you can apply online in just minutes. This will give you a guide of how much you can borrow. From here, we can help you apply, upload your documents, complete the valuation of your property, and get your loan approved so we can return your documents and you’ll settle.

No matter what stage of the process you’re at, we’re here to help.

Loans for buying my home

We're recognised & awarded by the Australian financial industry. View all awards

Smart Booster Home Loan
  • 3.60%
    discount var rate p.a.~
  • 3.96%
    comparison rate p.a.*

Get our lowest rate ever with the option to add an offset sub-account.

Why do people choose us for their first home?


Low interest rates

We can offer extremely low rates because our online model is so efficient. Having fewer overheads like branches means doing business costs less. Those savings means we can offer you lower interest rates and not chargie any ongoing or monthly fees.


Accessible support team

Our Australian-based support team are here to help you whenever you need it. You can reach our team on 13 10 90, Live Chat, through onTrack app or even on Facebook at most times of the day. We’re here to help you settle as soon as possible.


Easy application

You can apply online in just minutes for your home loan, and then manage your documents through our easy-to-use app, onTrack. onTrack allows you to complete your home loan application on your device in your own time, as it suits you.


Fast approval & settlement

We can approve your home loan in a matter of days, pending the right documents have been submitted and verified. We’ll help you get to settlement in no time!


Safe & trusted lender is financially backed by Firstmac, Australia’s 13th largest lender that has been in business for more than 40 years. Firstmac has more than $13 billion in loans under management, and our operations are covered by the NCCP Act & enforced financial services watchdog, the Australian Securities and Investments Commission (ASIC).


We’re community people

We put people at the heart of everything we do, and beyond supporting our customers, we’re involved in our local community through our Women, Children & Community Program.

Our process makes it easy to finance your home or investment property, so you can start saving thousands sooner. Here’s how:

Apply Online Apply Online


Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

What you do

Complete a quick pre-qualification online to see if you qualify or book an appointment at a time that suits you to speak with a home loan specialist.

What we do

Contact you at a time that works for you to discuss the information you provided or complete your application for you.


After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

What you do

Log into onTrack
Upload supporting documents

What we do

Verify your information


Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

What you do

Get the keys to your new home
Start saving!

What we do

Once settlement is complete, we'll send you login credentials to Smart Money

Apply Online

Common home loan questions

Simply fill out your application online by hitting the apply button and entering some of your details.

Alternatively, chat to one of our friendly lending specialists on 13 10 90 and they can complete your application for you.

After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application.

For more information for documents required for a home purchase or build:
What documents do I need to buy or build a home in Australia?
One of the benefits of being a first time home buyer in Australia is the access to a First Home Owner Grant. A First Home Owner Grant or FHOG was introduced by the Australian government to help first time homebuyers purchase their home. The requirements aren’t self-evident and every state and territory has different criteria and grant offers. To get more information about FHOG in your state, we suggest you visit the relevant website:

ACT | NSW | NT | SA | QLD | TAS | VIC | WA
Stamp duty is a tax imposed by state governments in Australia on the purchase of assets such as real estate. There are many factors involved in determining the cost of stamp duty for a property. These include:
  • The state you’re buying in – All states have different methods of calculating stamp duty so the amount will differ.
  • The price of the property – In general, the cheaper the property is the less stamp duty you will pay.
  • The type of home you’re buying – Vacant land will have less stamp duty compared to an established home.

Most state and territory governments provide stamp duty concessions to first home buyers and sometimes waive the need to pay stamp duty altogether. It’s best to research your individual state or territory to see what the maximum property value is so you can avoid paying stamp duty.
Lender's Mortgage Insurance is an insurance policy that protects the lender from financial loss in the event that the borrower can’t afford to keep up their home loan repayments. If you have saved a deposit of 20% or more, you won’t have to pay "Lender's Mortgage Insurance" (LMI).
At, you’ll need at least a 10% deposit to buy your first home. If you want to avoid paying LMI, we recommend you save at least a 20% deposit of the property price. We also recommend you to look into grants and schemes available to first home buyers which may assist with the purchase.
A property report is helpful if you're looking to purchase a new property, know the address and want to determine if it’s the right property for you, or potentially in a high growth area.

Our property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.
You can get your dream home at a great low home loan rate because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.

We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible.
You have the option to add a 100% offset sub-account to your loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10% to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For out more information about adding an offset-sub account.
Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

Estimated savings from repayments graph

Your estimated repayments are


Calculator assumptions

Get started

Ready to enter the property market and buy your first home? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can get the keys to your first home as soon as possible.


Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your application for you, and walk you through the home loan process.


Ready to apply?

Call 13 10 90 or select "Apply Now" to begin your online Home Loan application.

Get free property & suburb insights

To help you find the perfect home, we'd like to give you a free Comparative Market Analysis (CMA) property report, a breakdown of information about the property you are considering, including previous sale prices.


Estimated property value

An indication of how much the property is worth, based on factors including recent sale prices for comparable properties in the area.


Property mapping

An aerial photo of the property and its immediate surrounds, plus maps of the street & the property in relation to points of interest and facilities.


Properties sold in the area

You will be able to see details of recently-sold properties in the area including the date they were sold, land size, number of bedrooms, number of bathrooms and garage size.


Market comparison

Detailed information about nearby properties currently listed for sale or recently sold, including their first and last advertised price and days on the market.


Median sale prices in the area

The median sale price for homes in the area and how it has changed each month in recent years.


Suburb insight

Information about the suburb's demographics, such as household occupancy, household income and household structure.

Useful Resources

We’ve put together handy guides for everything you need to know when it comes to getting a home loan, so all the information is here in one place.


Guide to buying your first home

Most people have questions as they start on mortgage refinancing, so we have created this guide to help you.

From information on our easy steps to apply for a loan, to advice on loan pre-approvals and home renovations, you can find it here.

How it works - Home Loans - Purchase

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